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It depends on the insurance. Some of them you can submit for reimbursement, others won't cover it. I would call the insurance to find out their policy. 30 minutes drive isn't that bad for a non-emergency, or even a minor emergency like a head bump or stitches or something. Compared to the huge bill, I would probably take her to the one that would be covered if it's only 30 minutes away. I took my kids to Children's even though there are 3 hospitals on the way and it's a 45 minute drive, the care is better there!
Answered by roxy114 - 2 years ago

I would think this would depend on how your plan is set up. When I went to college 5 states away I could go to the ER and it was covered, I had choice over where I went, but it had to be something I couldn't see a regular doctor on during regular hour by making an appointment. If it were something like a cold I had to get permission from my Primary care physician to go to the ER or see another doctor and get treatment. I would ask about it, since you obviously don't need to drive an extra 30min if its something that needs an ER trip. I would imagine if you called an ambulance and they took you there it would be covered...perhaps they would take that into consideration?
Answered by lavender - 2 years ago